Call reports 2011
CITIZENS BANK OF THE SOUTH — 2011
What CITIZENS BANK OF THE SOUTH reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 238,236,000 | 235,341,000 | 241,567,000 | 228,812,000 |
| Total loans | 157,241,000 | 154,063,000 | 153,162,000 | 152,913,000 |
| Allowance for loan losses | 1,692,000 | 1,601,000 | 1,731,000 | 1,724,000 |
| Securities available for sale | 46,527,000 | 48,639,000 | 42,361,000 | 40,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,836,000 | 199,215,000 | 202,246,000 | 191,231,000 |
| Interest-bearing deposits | 178,645,000 | 177,507,000 | 180,966,000 | 168,546,000 |
| Noninterest-bearing deposits | 20,191,000 | 21,708,000 | 21,280,000 | 22,685,000 |
| Equity capital | 19,618,000 | 19,667,000 | 19,952,000 | 20,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,827,000 | 5,676,000 | 8,531,000 | 11,219,000 |
| Interest expense | 856,000 | 1,658,000 | 2,450,000 | 3,196,000 |
| Net interest income | 1,971,000 | 4,018,000 | 6,081,000 | 8,023,000 |
| Noninterest income | 241,000 | 499,000 | 729,000 | 1,142,000 |
| Noninterest expense | 1,689,000 | 3,191,000 | 4,954,000 | 6,726,000 |
| Provision for loan losses | 196,000 | 1,062,000 | 1,239,000 | 1,351,000 |
| Pretax income | 327,000 | 316,000 | 711,000 | 1,183,000 |
| Income tax | 105,000 | 96,000 | 231,000 | 497,000 |
| Net income | 222,000 | 220,000 | 480,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,633,000 | 19,636,000 | 19,895,000 | 19,998,000 |
| Total capital | 21,325,000 | 21,237,000 | 21,626,000 | 21,722,000 |
| Risk-weighted assets | 157,972,000 | 154,577,000 | 153,105,000 | 150,453,000 |